Establish who provides which protection
Ask whether the proposed arrangement is a policy covering your vehicle, cover arranged on request or a description of the carrier’s liability. These are not interchangeable. Request the applicable policy information and booking terms, and ask who can explain any uncertainty.
Contact your own motor insurer separately to ask about third-party transport. Do not assume an existing comprehensive policy covers every stage, or that two forms of cover fit together without gaps. Describe the actual route, handovers and vehicle condition.
For car transport and transit insurance enquiries, request written confirmation of the cover available for your move before accepting the booking.
Ask where the cover starts and stops
Check collection, loading, road transit, unloading and any depot storage or transfer stages. Ask who is responsible during each handover and whether the arrangement changes if another operator is involved. A summary mentioning “transit” may not explain those boundaries.
- Which vehicle and declared value are recorded?
- Which dates, stages and locations are covered?
- What exclusions, limits and excess apply?
- Are accessories, modifications or permitted contents addressed?
- Who should receive a notification if a concern arises?
Resolve the details specific to your vehicle
Tell the provider about modifications, existing damage, a non-running condition or unusual value. Ask how value is established and what evidence is required. An invoice, valuation or other record may be requested; confirm rather than selecting a value without explanation.
Ask how mechanical or electrical faults, pre-existing damage and personal contents are treated under the actual terms. Do not assume those items are either covered or excluded based on general online advice. If an answer is unclear, request clarification before proceeding.
Read the answer against the booking
For example, if a hypothetical quote includes a depot stay but the cover summary discusses only road transit, ask about the depot period explicitly. Keep the reply with the quote so you are not relying on a verbal interpretation later.
Understand the reporting process before pickup
Ask what condition records are required, how quickly a concern must be reported, who receives it and what documents to retain. Keep pickup and delivery photos, reports, booking correspondence and the cover confirmation together.
At delivery, record observations accurately and follow the stated process. Do not infer acceptance or rejection of a claim from an informal conversation. For advice on whether the protection is suitable for your circumstances, consult the insurer or an appropriately qualified insurance adviser.